|
Getting your Trinity Audio player ready...
|
- XRP dominates market cap but faces growing competition from Chainlink in banking partnerships.
- Chainlink’s links with SWIFT, Mastercard, and central banks position it for mainstream adoption.
- Analysts predict LINK could surge 10x, narrowing the gap with XRP by late 2025.
Stay ahead with real-time updates and insights—Join our Telegram channel!
A recent analyst debate has reignited the discussion around which crypto better embodies the “banker’s coin” narrative: XRP or Chainlink. While XRP has long been associated with banking and cross-border payments, Chainlink proponents argue that its growing partnerships with major financial institutions may make it the real contender.
$XRP is 10 times bigger than $LINK
— Quinten | 048.eth (@QuintenFrancois) August 27, 2025
Meanwhile Chainlink is the real banking coin
$250 $LINK is the base case
XRP’s Established Role in Banking
XRP is widely recognized for its use case in the traditional financial system. Ripple’s network enables large banks to process cross-border transactions faster and more cheaply, fueling the narrative that XRP is the go-to banking coin. The coin community believes that as traditional finance increasingly shifts toward blockchain settlement, the coin could rival or even replace legacy settlement systems like SWIFT. Currently, XRP trades at $3 with a market cap of $178.6 billion, making it one of the largest crypto assets in circulation.
Chainlink’s Institutional Edge
Contrary to popular belief, analyst Quinten argues that Chainlink (LINK) is better positioned as the banking coin. Highlighting existing partnerships with SWIFT, Mastercard, the DTCC, and even central banks, Chainlink advocates say the network is poised for deeper mainstream adoption. These alliances suggest that Chainlink could play a more integral role in financial infrastructure than XRP in the coming years.
Market Cap vs. Potential Growth
Despite Chainlink’s smaller market cap—$16.2 billion compared to XRP’s $178.6 billion—Quinten forecasts substantial growth for LINK. He projects a potential tenfold increase to $250 per token, bringing it closer to XRP’s current valuation. Similar predictions have emerged from other analysts like Rekt Fencer, who anticipates Chainlink reaching $250–$400 by the end of Q4 2025, while XRP could hit $8.50–$9.
Also Read: Chainlink Reserve Explained: How Payment Abstraction Drives LINK Growth
Quinten’s comments sparked heated debate among crypto enthusiasts. Some argue that the comparison is overblown, with XRP supporters emphasizing its market dominance. Others acknowledge Chainlink’s potential but maintain that XRP remains the central player in crypto banking solutions.
The XRP vs. Chainlink debate highlights the evolving landscape of blockchain adoption in finance. While XRP holds the advantage in size and legacy use, Chainlink’s growing institutional partnerships suggest a potential shift in influence—one that could redefine which token truly deserves the “banker’s coin” title.
Stay ahead with real-time updates and insights—Join our Telegram channel!
Disclaimer: The information in this article is for general purposes only and does not constitute financial advice. The author’s views are personal and may not reflect the views of Chain Affairs. Before making any investment decisions, you should always conduct your own research. Chain Affairs is not responsible for any financial losses
I’m a crypto enthusiast with a background in finance. I’m fascinated by the potential of crypto to disrupt traditional financial systems. I’m always on the lookout for new and innovative projects in the space. I believe that crypto has the potential to create a more equitable and inclusive financial system.
